Is Taikang Health Enjoy C Million Medical Care the same as Taikang Health Enjoy 202 1?

It has been upgraded, and the specific differences can be seen as follows. 1, the renewal ability becomes stronger. Renewal is the lifeline related to medical insurance. Because they are all one-year types of insurance, they refuse to renew their insurance or stop selling at maturity, and they directly face insurance interruption. The health information of medical insurance is strict and can be underwritten for a long time, which is more beneficial to the insured. From Taikang Health Exclusive D to Health Exclusive 202 1, the biggest change is the 20-year renewal of the warranty. The renewal of health privilege d is still relatively loose. After the first two underwriting, the third one will not be affected by health or claims, and the health privilege 202 1 direct guarantee will be renewed for 20 years. In other words, no matter what happens, the insurance must be renewed, giving people a sense of security.

2. More coverage. Taikang Health Enjoy 202 1 added a protection plan. There are four kinds of insurance plans, which are flexible and optional. The content of insurance has certain characteristics, including medical insurance for non-specific diseases, medical insurance for special diseases, and early payment of insurance benefits after specific diseases are diagnosed. But in essence, the four plans are only reflected in the different scope of protection, and there is no difference in the content of protection. Similar to the two schemes of Jian Xiang D, proton heavy ions and purchased drugs, which are popular in the market, are not among them, and their characteristics are not obvious.

The insurance rate is reduced, but it can be adjusted. There are four protection plans. The insurance rate of the first plan is lower than that of the previous plan, but the insurance rate can be adjusted during the whole guarantee renewal period. If there are too many claims, it will trigger premium adjustment and the price will rise.

4. Cancel the exemption of infectious diseases Although there is no uniform provision for the exemption of medical insurance, it stands to reason that there should be no difference in the exemption clauses of a company. Compared with Jian Xiang D, Jian Xiang 202 1 also does not lose "proton therapy and heavy ion therapy".

Compared with the insurance that has not changed before.

The deductibles of 1 and critical illness 0 are both 10000, where 202 1 is the deductible of plan 420000 and d is the deductible of plan 220000. At the same time, the diagnosis of serious illness has zero deductible, which lowers the threshold of compensation and is more humanized. 2. There is also a single medical insurance that restricts Taikang's health enjoyment series. When paying compensation, there is a single guarantee liability limit. This is a big "bug" of this type of insurance at present, but this clause has not been deleted in the updated version of Jian Xiang 202 1. Look at the difference between the two types of insurance. At present, Health Yuan C has stopped selling. I bought this product in the past, and it meets the requirements. I can continue to enjoy the health insurance premium of 202 1. Taikang's renewal approval form is very low, so I can consider changing insurance.